Find out how to save with the Credit Union
Savings - Carrickmacross Credit Union Ltd

Share Accounts

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. We offer members the chance to take control over their own finances by making their own savings work for them. Every Credit Union is owned by its members – the people who save & borrow with it – people like you.

Over 16,000 members rely on us for financial services. We provide many facilities to our members including savings, low loan rates, direct debits, standing orders, online facilities and even a mobile app!

If you’re not a member already, why not think about joining today?

No Hidden Fees

With Carrickmacross Credit Union there are no transaction fees.

Direct Debit

You can set up a Direct Debit to save with us regularly from your bank account.

Protected Savings

Your savings are completely secure under the Deposit Guarantee Scheme.

Build a Nest Egg

By saving little and often you will create a nest egg to fall back on when that rainy day comes around (max €40,000).

Supporting the Local Community

We are committed to supporting and developing our local community.

Online and Mobile Account Access

24/7 access to your online account.

This is a unique facility for credit union members whereby if you are 16 years of age or over, you can nominate someone to receive your Credit Union Shares following your death.

All members are encouraged to complete a Nomination of Beneficiary Form, although it is not compulsory.
- A nomination can only be made in respect of a member’s sole account.
- You may nominate a person of choice to receive your shares up to a maximum value of €23,000. Any amount in excess will form part of your estate.
- When a nomination is made to a person under 16 their parent/guardian/other appropriate person of full age signs a receipt and indemnity.

Following due consideration and deliberation, the Board of Directors of Carrickmacross Credit Union Limited decided to introduce a cap of €40,000 per adult member and €25,000 per minor member with effect from 1st January 2020. We also have a Monthly Savings Cap of €3,000 in place.

Under Credit Union Rule 22 (now amended to Rule 19) if your account becomes inactive for 3 years and we are unable to contact you within that period your account will become dormant. It is in your own interest to keep your account active by conducting regular transactions.

The account may be reactivated by conducting transactions and providing up to date proof of address and photographic identification.

How to join

How To Join

Not a member? Join Online now.

Please note: if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

If you would like more information on saving with Carrickmacross Credit Union please contact us today.

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